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INSURANCE INFORMATION

At this time Goodwill Home Medical is not involved in any third party insurance billing. You can purchase items from Goodwill directly and then submit our invoice to your insurance company for reimbursement.

**Understanding your insurance benefits

Know Your Benefits

As difficult as it is to understand health insurance benefits, knowing your benefits is key to getting insurance to pay.  It is very common for insurance to decline payment because they don't see the medical need for a particular item, medication, therapy or procedure.  Insurance reimbursement for service and subsequent payment to the provider is based on the member's benefit plan and provider agreement. Member liability amounts may include, but are not limited to co-payments, deductible, and/or co-insurance and will be applied depending upon the member's benefit plan

Health insurance terms to understand:

    • Premium: The monthly fee you pay to your insurance carrier for your insurance.
    • Deductible: How much you must kick-in for care first, before your insurer pays anything.
    • Co-pay: Your cost for services to which your deductible does not apply. This cost can be a fixed dollar amount or a percentage.
    • Co-insurance: The percentage you must pay for care after you've met your deductible.
    • Out-of-pocket maximum: The absolute max you'll pay annually when utilizing your insurance coverage.
    • Prior authorization: Some DME equipment and supplies require authorization from your insurance carrier when using certain providers. This authorization can take up to two weeks for a response.
    • Non covered items: Your policy has a specific listing of DME items that are covered and what they will pay for.
    • Cost threshold is a term used within insurance companies that allows reimbursement for the least costly equipment that meets the member's needs. The member is responsible for paying any difference between the allowed amount and the DME supplier's charges.
    • HSA accounts: health savings accounts are accounts that individuals covered by high-deductible health plans could receive tax-preferred treatment of money saved for medical expenses.

 

The unfortunate reality is that there are occasions when individuals are forced to pay out-of-pocket for their durable or home medical equipment. The good news

is when one must spend their own money, Goodwill has options that can help you save a considerable amount.

**Common Home Medical Equipment cost

Common Home Medical Equipment Cost Range
Adult diapers / incontinence supplies (N/C ) $100- $250 / month
**Hospital Beds $1,000 - $3,000
**Bed Rails $75 - $125
**Patient lifts $1,000- $2,800
Safety aids ( N/C ) $30- $150
Wheelchairs $150 - $300
Walkers $75 - $125
Cane /quad canes $20- $50
Crutches underarm and forearm $40-$75
Transfer Benches ( N/C ) $80 - $200
**Bedside commode $120 - $400
Shower chair ( N/C ) $100 - $300
Ostomy Supplies $100 / month
Wound care supplies $100 - $250 /month

(N/C) not covered by insurance

**Not medically necessary

WHY SHOP WITH US

  • Every product sold is in good usable condition
  • Each item we sell is inspected, repaired, safety checked and sanitized by trained technicians
  • Our price structure is 50% less than retail
  • You are not charged a sales tax
  • For those individuals whose insurance does not pay the total cost of their home care supplies and for those supplies which are paid for out-of-pocket, the complete cost of home care supplies are tax deductible.
  • Your physician or your insurance company may consider your hospital bed, patient lift and / or a bedside commode a convenience item and ** NOT MEDICALLY NECESSARY.

 

We can help you with your home medical equipment at a reasonable cost.

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